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[@MinorityMindset]

Get my FREE Guide To Generating Passive Income: app.marketinsiders.com/passive-income-guide WARNING: LOOKOUT FOR SCAMS IN THE COMMENTS! There are many fake accounts impersonating me, and there are many bots promoting fake/scam investments. I will NEVER ask you to contact me through KZbin comments, telegram, or WhatsApp. I have a checkmark next to my name and my comment will be highlighted. Fake accounts do not have that. Please be aware of fake accounts trying to scam you using my name and picture!

[@musiimenta2004]

Thank you for educating us always 😊

[@genevelis6075]

Why you are not telling that to transfer the money from one credit card to another credit card they charge you a percentage fee based on the amount of the transfer? Please tell the whole story and not The cherry pick!

[@niamatullahaziz9799]

Thanks for giving financial awareness

[@lynncahill6658]

Good for you 👍🏻

[@skinnymayo]

I just payed off all my debt ☝️😮‍💨

[@shawniegee1635]

Congratulations!!

[@Leestubelit]

Ouuu you lit 🔥

[@thorasguardselectrician2013]

👑

[@josephgbakorun3563]

Congratulations to you dear I am proud of you

[@ap5445]

Yaaaass

[@receptorun3947]

You should buy ETH and Xt35Et if you care about your future

[@rgseven6557]

I am feeling really emotional after watching your video as I have been spending almost 60% of my monthly income to settle my credit card debt. I had applied for a credit card thinking I would enjoy rebates. However ever since I lost my job last year, my debt ended up snowballing. I have no words to express how much I regret even applying for a credit card for it has robbed me of my peace of mind. Once I clear my debt, i am literally going to destroy my credit cards and never use them again. I learnt my lesson the hard way that one should only spend money they already have in the bank.

[@weskridge]

Distroy your cards before. That way you’re not tempted to add more debt

[@shundar19]

It's not about the credit, it's about the leverage. Why would you spend your hard earned money if you can put the risk on a credit card instead? As long as you pay before your bill cycle ends, you're good. Discipline and risk management will make your credit score go up, opening more opportunities to make money later

[@rgseven6557]

@@shundar19 i agree with you. Actually, I was paying my credit card bills on time but things changed when I lost my job. I was out of work for a year and ended up not being able to even pay up the minimum sum. I recall how the bank would keep calling me daily to ask when I would be paying up. I even reached a point where i wished i would not wake up from my sleep. Its a crazy thought though.

[@rgseven6557]

@@weskridge yes indeed. In fact, I even cancelled one of my credit cards. I also made it a point to not use them anymore. Now I just have a little more credit debt left. Once i am clear them, I wont even think of using credit cards again.

[@larrygill2223]

We all get into this debt. I’m being destroyed as well. I’m paying $1000 in interest alone on all my cards. I do renovations and sometimes company’s pay every 30-90 days. During that time I have to use my cards, and it adds up fast as I’m supporting a family as well. When I do get paid, I pay a chunk of my debt off however, it’s the same situation again for the next 30-90 days. Rinse and repeat and I find I’m not getting ahead! So I’m tackling my heaviest card/interest first as I’m paying $440 per month on interest. My only goal this year is to rid my debt

[@darknature79]

5 months ago I had about $6700 in credit card debt,I've got it to under $1500 now and only reason I had it that high was cause it was 0 apr for the 1st 15 months. I got my credit from a 570 to a 756 in the last 5 months after I started paying it down

[@alexdiaz4207]

@darknature79

[@f4davut-pubg]

I’d rather buy Xt35Et, atom, polka and polygon!

[@ts9971]

Next month I’ll have completed paying off my credit cards. I’m very excited!

[@Foxie444]

Congratulations

[@kylep3759]

It's still cheaper debt than payday loans. Those are insane, people get trapped in that cycle for life. Predatory lending is the true evil in America

[@swn69]

No, the true problem is people who spend more than they earn. People on welfare with $1,000 phones and nice cars... in an apartment... dumb.

[@kylep3759]

@@swn69 You hate poor people because they have nicer things than you? You fuel the problem.

[@hacivattv4656]

should you sell a little of AZP100X when you start to make a profit or just hold?

[@TheCoCoBully]

I'd hold a little longer. Keep reading AZP what is AZP for?

[@TheOne-hb4td]

Scam

[@andreapiasantana9598]

we are paying our credit card debts… 😩😩😩😩😩 but it takes time and sometimes despair…. It doesn't happen overnight. patience, patience

[@jogmas12]

How they get high in the first place??

[@tactileslut]

Watching the interest charge and minimum payment requests drop has some reward, but in the short term it does feel like flushing a lot of (previously spent) money. Adding to the despair there's nothing to keep the creditor from shrinking the credit line, so all the recent headway just feels gone and isn't available for real emergencies. Mitigating it, the unpaid interest charges are mine to keep forever to put to better use than whatever I did with it the first time around.

[@StephenRealizaOnline]

One of the best videos I’ve seen on your channel. Motivation that I needed to step up handling my finances.

[@numismaticstacker]

We tackled 3 credit cards and down to only 2 major cards to work on.

[@shumatsuopost]

You always give the best tips out there! Good video!

[@tomdrummy4984]

Develop discipline…….”NO” is a complete sentence. Paying 20% interest is cray cray.

[@shaunmoorefinance]

Very true ❤

[@bromen.21]

You cant fight the Xt35Et Fomo haha

[@indiasohot2trot]

“Refinance your house” …… I’m flattered you think I own a house lol

[@lovablelibra]

😂

[@iluvuholyspirit]

🤣🤣🤣

[@kingjdmedia4501]

😂😂😂😂😂😂😂

[@TaeBling18]

Lmfaoooooo 😂😂😂😂

[@okanoyunda001]

Super cool video ! Do you think amazons AZP100X will pump before ETH ? I ask myself if there is a pattern in the order of the altcoins pumps.

[@eMillion100]

Stop using these fake turkish bot account to promote a scam

[@goingwalkaboutnow]

You are doing a great service with this video. Breaking things down , with great ways to solve issues. If this helps save even one person from financial ruin, it would be a huge win. Keep it up, I’m pretty sure your saving financial lives and helping people build futures.

[@chazzcubillos1523]

Love the video I actually work in Debt Settlement interests are crazy high!

[@RandallHallKaizenReiki]

Great presentation, solid info.

[@josephmaryland9138]

Thank you, my brother! You are are a breath of fresh air!

[@dirtyminerapparel]

Just so you know I appreciate you. I can’t say what I’ve done but I picked up a few good tips from you over the last year or so.

[@realestateinvestingtips]

Great advice! Paying down credit card debt is crucial to achieving financial freedom. It's essential to create a budget and stick to it, while also making larger payments towards the highest interest debts. Another tip is to consider a balance transfer to a lower interest rate credit card, which can help reduce interest charges and make it easier to pay off the debt. By being disciplined and taking these steps, you can avoid the cycle of credit card debt and build a healthy financial future.

[@mariebenovil3540]

I cut up three cards (paid off). I only keep three cards/ store cards. 😊

[@JakeTaylor1646]

This is perfect timing because debts are rising quickly!

[@jenniferexon194]

Thank you for making this video. You've put this into perspective for me. I've been torn between adding to my Roth IRA or paying down my credit card debt. I'm already 50 and started investing three years ago. Thank goodness that I will have a pension. I will stop investing right away and put as much as I can on a 0% card. I want to get out of debt asap!!!!

[@shaunmoorefinance]

Great basic info for folks Jaspreet ❤

[@qcspt]

I'll always be grateful to my past self for jamming for 17 months to pay off all of my cc debt so that I have no debt worries now.

[@dianaalyssa8726]

Thanks for the information.

[@AdarylJohnson-qt9qn]

Appreciate your content.👍🏾

[@veey9274]

Teach brother!

[@taylorspastpresent1014]

I paid off 12k in credit card debt after watching your videos. You changed my perspective. I now use credit cards instead of letting them use me. I get cash back and points. I pay my entire balance before my statement closing date! I never carry a credit card balance into the next month.

[@itsbjorn]

Thx for your advice!

[@chahatsinghchauhan9891]

Jaspreet bhai, ji you changed the way I think about money, financial mindset, the way I feel before vs now and my life. More power to you, sir!

[@luciantyroneadams4234]

I paid off a $2500 credit card, and it did nothing for my credit,4 years ago I paid off my student loans debt and it didn't improve my credit score at all I think credit is a scam.

[@DP-sw1wn]

The govt wants to bail out people who don't pay off debt. They are tracking people who pay it off so they can tax u more cuz your debt free. Do u not get it. The cc bail out is coming to wealthier earners who carry a higher cc debt. They will bail those out w lower income that can't pay off the debt, tax your ass that paid off and reduce rates to higher earners to make sure there is a huge gap of lower income to higher income. Just wait when they give higher earners a freeby of interest rate relief then tax the lower wage and bailout everyone else in default. It's happening soon.

[@yadiel7874]

Real shit.. 😤

[@enigmathegrayman2953]

4:56 I was thinking, where am I gonna find 40 years to invest? 😂

[@deborahanderson4211]

Hello there, I've been using a credit card with 0% for years, and that's what I do pay it off before the period is over and it's been a good thing for me and I always pay my bills on time and I will continue to do so. When I have extra money, I would pay more on my credit cards, and the credit card companies don't like it and I don't care!

[@lizcox7286]

Dave Ramsey's classes are great for getting out of debt, mone management, budgeting, and saving. Highly recommend!

[@lo-tar1442]

For the last 4 paychecks I've paid $1,000 off of my credit cards. $2k left and I'm done with this shit. It's hard because you wanna save the cash more than send it back out - but when those cards are paid then I go to my car... Then I'm saving an additional $1K per month... That's Gucci :)

[@anyelypenarosario5573]

I love to say hi to my husband Josh through your videos because he is one of the first one to see them and send them to me😂🥰

[@pamelaobazee9977]

He is an amazing man.

[@grandinquizitor7412]

I had zero credit card debt and a perfect credit score until I started a business. 2020. I was off to a great start until August of 2022 when business started to fail due to inflation and people still getting sick from covid. I started using my credit cards to fund my business operations and I didn't want to keep borrowing money from banks with these news high interest rates. All my debt is business debt and I'm now struggling to keep afloat and have to look for an actual job when I currently have a business. Grant's are not easy to come by because they are all competition based and run on round applications. Also, the majority of grants are only available for women entrepreneurs so men can't apply. Life is hard now because my credit score went 800 to 400 in just a matter of months. Now I'm considering bankruptcy.

[@Hard_Car_Life]

Me too friend. I went from a 675 credit score to 464 in a matter of months because I can't afford to pay my bills. Have been looking for a remote part time job so that I can work nights and weekends outside of my full time job, but there just aren't any remote jobs anywhere. I don't want to end up working at a 7-11 at night either. Way too dangerous!

[@ritzkola2302]

Credit Cards will have higher interest than traditional business debt. That was a very poor decision. You need an operations manager.

[@johnnyc0811]

I’m in this boat too mab

[@Hard_Car_Life]

@@johnnyc0811 - What's "mab"?

[@griseldaguerrero7199]

Learn to make and sell digital products on Etsy as a side hustle and passive income.

[@music9430]

Needed to see this today 😅

[@someitguy2175]

These days I LOVE 0% credit. If I'm about to buy something with cash, but have the option of using 0% financing, I'm taking the financing and holding onto the cash. You're letting me use someone else's money for free? Yes please.

[@d-yh8vd]

Imagine missing the Amazon AZP100X on-going presale, HODL STRONG the public sale about to explode

[@rexgoden3482]

Thank you

[@robbygirl2019]

Guilty, guilty, guilty!! Jaspreet, you have changed the way I should spend money. I'm not proud of my decisions. My husband and I are tired of giving our hard-earned money to creditors. Unfortunately, we have decided that it is best to file for bankruptcy. I'm not proud to be here. We are ready to put this behind us. After all, I did purchase your course. I am looking forward to a new start of UNlearning the way we manage our finances. Thank you for breaking it down so simply.

[@DA-xc2uo]

Our extra money is for food and precious metals, we buy 4 bottles of wine per month and this is it. We are moving with mother and will build a multigeneration house to pool our expenses, what is coming will be catastrophic for most... I am already sad seeing all those around me, not getting ready at all...they will miss out on this wealth transfer event. Most of the people we see with 'wealth status indicators' (cars/purses/clothes, etc) are actually people with massive negative net worth. Nothing to be proud of IMO.

[@oyunkurucu17827]

Part of a very important coin been talked about in the BCL

[@lilliancullen1327]

This is good.

[@kyladenanyoh]

Great video. Point #2 is amazing. I’m making someone else $11M …. Nope. That stops now

[@thechangeiscoming361]

Also you can payoff cc debt with personal loans. Some personal loans will have lower interest rates

[@Thatdude-tp7xs]

You think thats better than a balance transfer

[@kikzb643]

i dont have credit card debt no mote.... just the house mortgage and car... so happy!!!!!

[@whendoigettosayfuck]

3-4% to transfer credit card debt is a smart loan to take. Been doing it for years

[@ITS_Purpose__]

I have a question So I do have a lot of credit card debt unfortunately but I have money in stocks and crypto should I just sell everything and put that money towards my debt or should I leave it alone for now and follow the information given?

[@alvime1]

Nice Shirt what brand is this looks cool❤

[@lassydlassy508]

I’m working on this now

[@ChronoTriggerX]

Thank you, money guru ji you are the genie in the alladin movie

[@kevinwhitehead6714]

Excellent video. I had $12k of cc debt in August. I followed your most basic method (decrease spending and making additional payments). I now have $500 of cc debt.

[@Munce72]

Great work Jaspreet! Scooby snacks for you. My allegiance is to Liberty, the Republic, and Democracy.

[@Saiyanjohn415]

My problem is I give my money away to other people.

[@mixedbagclips2511]

I’m Colombia we are upwards of 44% in the credit card rate.. it’s financial suicide right now

[@mmf9765]

😮

[@HabitsForHappiness]

Save save save right now

[@tedt1366]

I am on a fixed income and just got a Zero interest for 18months. I have another one that is about to run out in Aug. and plan to pay that one off , or at least only have a few hundred to pay on it The other new card I just got, I plan on doing the same with it as I have some purchases I am planning on. and this will help me keep more cash for now and pay that one off a 18 months later and till then take advantage of spreading out cost and saving now while I keep more of my cash. I am doing this to build up a bigger cash supply now. I can pay for it now but lower my cash when I can use this time to build my cash and take advantage of the offer. only using it for purchases no transfers and will save there too!

[@timarlow8007]

QUESTION: you've mentioned before your father was hard worker and clearly this was passed onto you. I'm the same way and have developed wealth because of it. I have young kids now, any advice on how we avoid spoiling them and pass on our work ethic? This is more parenting advice over financial advice, and not sure if you have kids, but would appreciate your insight. Hard times create hard men, hard men create soft time, soft times create soft men - would like to avoid raising my boys to be soft.

[@basshead8914]

Don't give your kids everything under the sun. Make them earn it. Remember YOU are wealthy your kids aren't. Make sure they know that as well.

[@Jho_Sephine]

No matter your income, raise your kids knowing the value of money. Show them opportunities to earn their income. Have them make their own budget and have them include their own savings goals. Have them open their own savings acct. "Charge" them and then put those charges into a separate savings acct for them. Example, if they want a cell phone, charge them for their portion of the bill. Then put the amt they paid into their savings. Then when they move out, they already have established healthy financial habits by earning and saving and they're surprised by the extra money you have saved separately from their "bills" they paid to you. Have them practice investing using the investing tools w/o real money. This will give them experience in investing but w/o the risks. Go over their decisions w them but let the decisions and consequences be theirs.

[@HarperPolo]

Don't make your kids earn love and show them where things come from so they don't equate love with things and when they do get things they know it came from somewhere

[@Don-mp6tv]

​@@HarperPolo Based.

[@susanlippy1009]

Have them contribute to the home as children. Let them see how the work they contribute makes a difference. What's a maid earn? Look it up, the kids do chores so what's that value to your home? Time is part of that. Don't just bail them out of everything. If they spend to much allowance on junk and can't afford to go to an event show them they can earn the way their. Hard work is a habit people learn when young. Kids who never have to work don't become adults who want to work hard. They want a new game system, they can work helping neighbors. A friend's dad would help her kids by meeting them half way and they would all go and now lawns, rake leaves, shovel drives. At the end he gave them 1/2 the cost and they paid the other 1/2. He worked with them showing them by example how to work hard. Your example is key.

[@TheLovely990]

Great info. If I can't pay cash, it's not affordable.

[@fredlaval93]

One of my credit cards keeps offering me 2-3 % interest rate for 8-9 months. The thing is they keep renewing this offer, therefore when the term expires I just pay it off with my line of credit and take a new offer. I've been enjoying this rate for over 2 years now lol (even lower than my mortgage) and it should be paid in full some time this year.

[@jesseyodu4633]

Can you share which credit card company

[@Napskilla]

Spend less and make more money. Thanks I couldn’t figure this out before I watch this video.

[@andrewwashere82]

Feel like this video answered my question, but still want to ask (or get 2nd opinions): I'm getting a small inheritance that could pay off about a 3rd of my debt. I could still pay off my debt in a year or less using his first few tips, without it's help. So I'm wondering, should I use it towards my debt or save it/invest it?

[@salsaqn89]

What about everyone that says pay yourself 1st no matter what?

[@brianlewis7632]

Kansas City is Watching 👀

[@TALLXXL]

Philadelphia 😂

[@a.acquah4187]

No I’m thinking where in the world I’m I going to find 20% rate of return?

[@liv2grind409]

If it was so easy we would all be doing it.

[@MSH3423]

Credit card debt will cripple you. Get a second job and say good bye to the weekend.

[@numbone]

I only carry balances on my 0% APR cards

[@cryptoesquire3168]

Paid off the 1st time interest rates went up.

[@SirSauce]

Guess I gotta stop goin to school to. Cause I used my card for tuition 🔥

[@user-es5jq6yy9l]

I'm trying to secure housing. if I settle my debt then how long will it take to rebuild my credit because I don't have a place to live

[@trennylopez5739]

I don't have much debt. No credit card debt. Mostly medical bills. ( and my student loan). What is my best option? As you know my plan is to raise my score. And remove any bad debt I have... ty

[@thaarealdeal4349]

Next 24 iA my plan is pay off all debt

[@Heart2HeartBooks]

Hello good sir. I have $4,660 in credit card debt for items I bought for resale. The interest rate is 3.9% for 18 months. I have 8 months left on the 3.9% rate. I gather it is okay to have debt incurred to make money and that if it is this low a rate I can let it ride? I have been paying it down and will have it fully paid when or before the rate goes to 17% (Credit Union Card) I don't use my credit card for other major purchases. Those (Like new person items) I pay cash for or use the card for the points and pay it off before the due date. Thanks, Love your show.

[@EvaMariposa]

Not sure about US, but in my country you can't claim a bankruptcy and keep your assets, i.e. if you own a home/car/investments etc, you need to sell those and pay off your debts first. The only people that can claim bankruptcy and get away with it are the ones who don't have any registered assets

[@SandileNtombela]

And the Americans lol 😂🤣🤣😆🤣😆 crazy system they have there.

[@ritzkola2302]

@@SandileNtombela greatest system in the world it’s why everyone wants to move here

[@Mohit-zn2rn]

​@@ritzkola2302 lol us is a joke

[@ritzkola2302]

@@Mohit-zn2rn which is why the people from your country are begging to get their citizenship here 😂

[@Mohit-zn2rn]

@@ritzkola2302 we are controlling us

[@jogmas12]

I only charge what I can pay off each week and still earn 3% payback

[@glennmorris6071]

Keep in mind, most people who use credit cards spend 12% more than they need when they use a credit card.

[@germanmurillo3238]

Taxes and interests are skinning me alive

[@gerry2217]

While I’m paying down my debt I know I shouldn’t invest in the stock market but should I contribute the minimum to my employee matched 401k?

[@dangonzalezb]

The legal code allows personal bankruptcy, Why people don't use it more often is what's surprising. Financial companies will not have any scruples to get as much money out of you as humanely possible.

[@Saminthefloof]

The reason people don't use it more often is beacuse you can't get a mortgage loan or a rental property very easily say in an emergency situation. The house I'm living in right now is a rental and I just was notified that they are planning to sell by summer. If I were to file for bankruptcy it would be near impossible to find another landlord or a lender to trust that I can pay.

[@memelc5655]

Bankruptcy is easy and fast. You can’t eliminate government debt. Like School loans or taxes. But it’s not a stigma people say it is. Good luck 👍

[@fruiz879]

Or stop paying credit cards. Because it's unsecured debt. Then wait 7 years to have them fall off from your credit.

[@doc5081]

Do what the big guys do....deefaaault. Then take advantage of potato joes priority for the credit challenged policy.

[@deltoro5346]

Can the credit card companies sue you and garnish your wages?

[@MJfromdaO]

Osama spitting game

[@kikzb643]

it is really doable to payout a credit card

[@matthewlewis-zw3tf]

The credit card Sheikh!!!!!

[@Nuvision19]

Where am I gonna find an extra 40rty years😢

[@aaronricks6490]

My mother has been telling me this for years..lol

[@CBRR10011]

I open high earning savings, put money away every week, and now I paid all my credit card off in full...no personal loan

[@Angular777]

I paid off my 10k credit card debt during the first few months of the pandemic, and I was making measly pay, now I'm putting some of this money in a retirement account. And in the words of Naomi 'Sexy Cyborg' Wu, "if I can do it, anyone can do it!" I think we should start a loan shark business... Thank you Jaspereet, after I started started watching your videos, I knew I had to be ultra aggressive during this period.

[@Hard_Car_Life]

You paid it with the stimulus checks.

[@carldooley9344]

Ya know, that was my plan, until I was asked to work... If I said no, I would have been ineligible for UI benefits. Grrrr

[@paulpoco22]

What about selling your crypto that has gone down in value, to then put on your debt?

[@rockiedouglas5920]

What of I borrow from 401k

[@pmr259]

I dont have 40 yrs :(

[@jamilyaataeva8778]

Thank you as usual for very informative video. I want to ask. Can you make money some money from borrowing money from credit card on 0% for 18 month? I did one time but not made money from it. But it teaches me to hold and put aside money. To SAVE. I am talking about $ 5000. Back then.($250 fee for borrowing $ 5000) . And when I need to close this account of the end of APR or promotion period( usually 18 months) . I paid off entire balance. But the same time I had some money to save up. I hope you understand me. English is 3 rd language . This is worrying me the most. Thank you again.

[@glennmorris6071]

You cant borrow your way out of debt. Earn more and spend less, and then pay off the debt.

[@jamilyaataeva8778]

But

[@jamilyaataeva8778]

@@glennmorris6071 but I did it. Glenn

[@justinharris7397]

@@jamilyaataeva8778 there is usually a cash advance apr of roughly 30%

[@mattalderton3723]

I sent your video to a friend of mine who always ask me how was I able to retire and he works 6 days aweek and is struggling ( he can't seem to talk to me) with out complaining about he will have to work into his 70ds he just doesn't get it

[@rickygill661]

How old are you and your friend? You guys sound about in your 60s I’d assume or late 50s. That’s what baffles me if your friend is that old and still doesn’t get it. I’m about to be 20 in a couple of months and trying to learn everything I can about finances to set myself up for later. It scares me that there are people in there 40s and up who still don’t have a clue on wtf they’re doing with themselves

[@lisapatterson2776]

The higher your pay becomes the less time you will be given to make it